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SAN DIEGO (KGTV) -- A new study by Zillow shows that homebuyers with lower credit scored pay more for the same homes than buyers with excellent credit scores.According to Zillow, borrowers with excellent credit scores could get a mortgage with a 4.5 percent annual percentage rate.Borrowers with a fair credit score could get a 5.1 percent rate. Over the lifetime of a 30-year mortgage, that means a buyer with a fair credit score may end up paying an additional ,000 over the lifetime of the loan.In San Diego, where the median home value in March of 2018 was 5,300, Zillow estimates that homebuyers with fair credit will pay ,000 for the same home.The difference is only amplified in more expensive markets, Zillow says. In addition, the penalty for lower credit scores tends to be higher."When you buy a home, your financial history determines your financial future," said Zillow senior economist Aaron Terrazas. "Homebuyers with weaker credit end up paying substantially higher costs over the lifetime of a home loan. Of course, homeowners do have the option to refinance their loan if their credit improves, but as mortgage rates rise this may be a less attractive option."Zillow says that even if homeowners don’t pay the full 30-year term on a loan, the annual cost of a lower credit score can still add up to 0 a year. 1346

SAN DIEGO (KGTV) - A Minnesota man suspected of possessing child pornography may be in San Diego, according to the San Diego Police Department.Jamison Michael Nelson, 40, was the focus of a news release issued Monday to alert the public.San Diego Police did not release details about the charges, but information from DL-online.com indicated a man named Jamison Michael Nelson was charged with six felony counts of possessing pornographic works on a computer.The National Center for Missing and Exploited Children received an alert from Google indicating that three images which may have been child pornography had been uploaded to a Gmail account, according to the report.DL-online.com reported that a search of Nelson’s residence turned up a hard drive hidden in a coffee pot.San Diego Police did not indicate why they believe Nelson may be in our area.He is white, six-feet tall, 185 pounds, with brown hair and green eyes. 934

SAN DIEGO (KGTV) — A man under arrest was hospitalized Sunday night after San Diego Police said he slipped out of his handcuffs and got a hold of an officer's gun, leading to an officer-involved shooting at the department's downtown headquarters.According to police, a 25-year-old Hispanic man was arrested shortly after 6:20 p.m. after an incident at a downtown San Diego hotel. A hotel security guard reported the man was “acting strange” and threatening others.Officers took the man to SDPD headquarters on 1401 Broadway, but just after 8 p.m. police said the man somehow freed himself from his handcuffs while inside the patrol SUV, and then broke a divider that separates the prisoner seat area from the cargo area.Police said it was in the cargo area were the man located an officer’s backpack that contained a backup handgun.Officers went to check on the arrestee after hearing noise and saw that he was still in the vehicle but armed with a gun. Officers drew their weapons but backed up from the car.Police said, “Officers gave the male commands to drop the weapon, but he refused to do so. The male fired at least one round from the handgun.”The officers felt threatened at that point, prompting them to fire at least one round, hitting the man at least once in the torso.According to police, “The male reached out the car window, opened the door and exited the patrol vehicle. He was still armed with the handgun and would not comply with officers’ directions. The male tried to open both the rear cargo compartment and the driver’s door of the patrol vehicle, despite officers’ orders to stop. Because he still posed a threat, a Police Service Dog was deployed on the male. The canine bit the male and officers were able to approach and subdue him. The male was still armed with the handgun at the time of his arrest.”After officers provided aid to the man at the scene, he was taken to the hospital with non-life threatening injuries, according to police.SDPD’s Homicide Unit is investigating the officer-involved shooting.Police stated the following information in a news release:“The names of the officers involved in this incident are not being released at this time, but they have been with the department for 8 years, 6 years and 10 months, respectively.The investigation and review process for an officer-involved shooting is extremely thorough. When the Homicide Unit completes their investigation, it will be reviewed by the San Diego County District Attorney’s Office to determine if the officers bear any criminal liability for their actions. The Internal Affairs Unit will conduct an investigation to determine if there were any policy violations, and the Shooting Review Board will evaluate the tactics used by the officers. The Community Review Board on Police Practices will conduct a review of the incident and provide any appropriate recommendations. The Federal Bureau of Investigations and the United States Attorney’s Office will also be monitoring the investigation.”The San Diego NAACP released the following statement regarding the shooting: 3085

SAN DIEGO (KGTV) — A longtime North Park business has been forced to shutter its doors due to the economic toll of the pandemic.A&B Sporting Goods has sat on University Ave. for 79 years. The business told ABC 10News that it thrives off of local youth sports, which have largely been canceled this year due to the coronavirus.Owner Greg Schloss, whose father and grandfather worked at the store before him, said he hadn't planned on closing shop, but could not keep the business going any longer."I've worked here 40 years. The neighborhood is driven by a lot of kids playing ball in this neigborhood. And at the moment, for the past sever, eight, nine months, there's no kids playing any organized sports," Schloss said.RELATED: Rebound: Find resources for small businesses amid the pandemicAs for himself, Schloss said he's not ready to retire and he's hoping some of his longtime customers may be able to help him find a new job.In a Facebook post, the shop told fans they will close as of the end of the year and thanked the community for its support over nearly eight decades."It is with heavy heart that we announce that A&B Sporting Goods is closing shop as of the end of the year. We cannot thank our friends enough for your ongoing support. We were so fortunate to be part of the North Park community for so many decades. There was never anything better than your kids coming in every year to pick up their North Park Little League apparel and equipment," a Facebook post on the store's site read. Shoppers are also encouraged to stop in and shop over the next month. The store's social post added that everything will be sold and reasonable offers for merchandise will be accepted. 1707

SAN DIEGO (KGTV) - A local brewery's decision to use compostable can holders is the latest example of San Diego companies deciding to go green.Pure Project Brewery made the change last month, giving its customers an easier way to take home 4-packs of beer while still being environmentally friendly."You have to make that decision; do I wanna do the right thing, or do I wanna do the cheap thing," says Pure Project Co-Founder Mat Robar. He says every decision his company makes takes the environmental impact into account."It costs us a good amount of money to brew beer with organic and local ingredients, and sometimes it takes a little longer. Ultimately it's the right thing to do," says Robar.The new can holders are made of recycled grain, leftover from the brewing process. They biodegrade in 200 days. And, if they wind up in the ocean by accident, they're safe for animals to eat.Pure is one of the hundreds of San Diego companies emphasizing the planet over profits.Right now, the San Diego Green Business Network lists more than 200 local companies as members.Experts say it can help build a brand, attract a loyal customer base, and also help make money in the long run."The efficiencies of going green has significant business implications," says Heather Honea, the Chair of the Marketing Department at SDSU's Fowler College of Business."If you're trying to build a brand that's meaningful for consumers, you have to speak to the things they care about. Your brand has to be associated with the things they care about," says Honea.In California, that includes environmental impact."If I'm deciding between product a and product b, I'm choosing the product that not only delivers a certain set of quality attributes but also is going to have the impact on my local community or local environment that I think is acceptable," she says.Honea also says that investments in green technology and business practices may cost a lot of money upfront, but they tend to pay themselves off in the long run. She says that's especially true for companies that stay one step ahead of local and state laws.At Pure, they say protecting the environment is their "North Star," a guiding principle for everything they do."It takes a little bit of effort," says Cheyna Swartz, the Tap Room Manager, "But it's definitely worth it." 2331

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